Betty Liu explains financial market impacts from global unrest | Money in :60 | GZERO Media


I’m Betty Liu, with your Money In 60 Seconds. Let’s get started. So geopolitical events do affect financial markets. And these events are everything from wars, civil unrest, natural disaster, terrorism. During those times, investors flock to safe haven assets. So, that can be gold, it can be defensive stocks that generally have stable earnings and dividends. As you saw back in 9/11, investors flocked to safe haven assets. So, Iran is in a region that accounts for about a third of the world’s oil. So, what you saw was oil prices spike to a seven year high to seventy dollars a barrel. There was concern at that time that basically, oil production would be disrupted. And so that’s why you saw investors flock to safe haven assets. That’s your Money In 60 Seconds.

Should You Transfer Your Final Salary Pension?


Welcome to the Morningstar series, “Ask the
Expert.” I’m Holly Black. With me in the studio is Steve Webb. He is Director of Policy at
Royal London. Hello.
Hi, Holly. So, we’re talking pensions today and you are
telling us about the difference between defined benefit and a defined contribution pension
scheme. So, defined benefit sometimes called final
salary is often you hear it called is the older style of pension. So, you used to work
for a big company, and they pay you a pension that was like a hard promise. You’ve earned
this amount of money; you’ve served this number of years; you’ll get this percentage of your
final salary when you retire. Fantastic. Great. So, that is the kind of thing that you want.
That’s tended to go these days. Companies have shut them, because they’ve become a lot
more expensive than they expected and these days you’re more likely to have a pot of money
pension called a defined contribution, because the only thing that’s defined is what’s going
in. That’s what we know. What we don’t know is how well it will do when it’s invested.
We don’t know what sort of pension it will buy you when you retire. It’s flexible. It
has its advantages but it’s not the same as the old style.
And some new rules that came in a few years ago mean that if you do have one of those
older style pensions, you don’t have to stick with it. You can move it into sort of a SIP
and choose how you invest it yourself. Why might someone do that?
What can happen is, if you’ve got an old-style final salary pension of, let’s say, £10,000
a year. Instead of taking that £10,000 a year when you retire until you die, the pension
scheme might say, we will give you instead £300,000. That might be an example. And you
can take that money and put it into a pot of money pension at different sort of arrangement.
And the big plus of that is flexibility. So, for example, from the age of 55 you can start
drawing on that. Now, there’s tax to be paid and of course, it might not last you until
you are 85 or 90. But it is much more flexible. People like that because if they were to die,
perhaps if they don’t have a spouse, but they have children or something like that, then
the pot is left for the children. Whereas a company pension, not much might go to the
children. So, it generally allows people more choice, more flexibility, maybe retire a bit
earlier and spend some of the pot, keep them go until their state pension starts. That’s
why a lot of people see this very large amount of money, see the flexibility and find it
quite attractive. But the regulator has said – they are actually
concerned that too many people were doing that, and it might not be the right decision.
Because there are a lot of reasons to stick with that older style pension scheme, aren’t
there? There are. And the regulators say that when
you take financial advice, the advisor has to start from the assumption you should stay
put, from the assumption that you shouldn’t move unless there’s a good reason to move.
And some of the attractions of staying put are first of all this income is pretty much
guaranteed. It lasts as long as you do. It goes up in line with inflation in most cases.
And if you’re retired for 20 or 30 years, that really matters. And you don’t have to
worry about the stock market going up or down. That’s the pension scheme’s problem; not yours.
So, that element of certainty, predictability, guaranteed income, because you don’t know
how long you’re going to live, you don’t know how the markets are going to do. All that
risk is taken care of for you and that’s a very attractive and valuable thing.
This is probably one of the most important decisions people will make in their life if
they do have this choice. So, what is the right thing to do?
Well, even if your pension is worth only about £30,000 and that’s a pot of £30,000 not
an annual pension. So, most of these old final salaries you are going to draw be above that
level. By law, you have to take financial advice. But a couple of things. First of all,
listen to it, because it’s tempting to think, I see this amount of money might be bigger
than value of my house. I want my hands on it. I don’t care what you, the advisor, say.
I just want my cash. That’s you know – if you’re in a hurry, take a big deep breath.
And the other thing also is to ask some pretty searching questions about where the money
is going to go to. Because many advisors are impartial. They’ve got your best interest
at heart. But some of them have got incentives that actually they want to manage your money.
They want another slice every year. And you just need to ask a lot of questions about
the charges you’ll face if you do a transfer. So, be sure there’s a good reason to transfer
and start from the assumption that you don’t. And then listen carefully to the advisor,
be quite – you know, ask some tricky questions. Well, thank you so much for your time.
Thank you. And thanks for joining us.

How to Pay Off Debt Fast on Your Financial Journey to Early Retirement


hey guys it’s Tasha and Joseph with one big
happy guess how much we paid off $30,000 in five months and in this video we’re
gonna be sharing our tips to help you pay off debt fast so before we get into
the tips we’re gonna just throw a couple caveats out there
because we know that you see all the time about people paying off you know
$100,000 worth of debt in two days and some you know other crazy extreme
stories like that and so the first thing that we want you to realize is you can
only pay off debt as fast as your income allows so when you see people paying off
giant amounts of debt in a short period of time it’s really highly likely it’s
actually you know it’s definitely that they have very big income to help
facilitate that rapid debt payoff or they’re tricking you and they got an
inheritance or it did something like sell their house and they include paying
off the mortgage as oh we paid off debt well but then you also lost an
equivalent asset and that’s how you paid it off so that doesn’t really count and
then in that case we’ve paid off $300,000 in one day because you know
we’ve sold the house in the past so just take all of those stories with kind of
with a grain of salt and don’t let that make you feel bad about your progress
because your progress is right sized for your life in your situation so
number one you have to stop using your credit cards if you keep using your
credit cards the balances will only get bigger and bigger and it’s not to say
that you it’s impossible to use credit cards responsibly or that you won’t be
able to slowly start using your credit cards in the future when you feel
confident that you can pay them off and full every month but the idea is to stop
using them get used to sticking to a budget build good financial
habits so that when you pay down that debt if you do decide to use credit
cards in the future for rewards or something like that you won’t build up
the debt again and end up back in debt that’s right so you’ll start using your
cash or your checkbook and start really getting to know your online banking
because you want to check that balance you want to make sure that you’re not
spending too much money you want to make sure that there’s nothing unexpected
coming out of your account that you need to cancel that happens from time to time
also all right step two you want to get to know your debt yes and so that means
you want to get to know the terms you need to know the interest rates what the
minimum payments are when they’re due I’m just the more information that you
know about the debt the better you can structure the plan to pay it off yeah so
you’ll want to get a piece of paper use microsoft use Word or Excel, Google sheets whatever to list
out all of your debts list out the due dates for all of your debts because
you’re gonna make sure that you’re paying your minimum payments on time so
you’re not wasting money on fees you’ll list the interest rate for all of your
debts the minimum payment and I also think that it’s a great idea to know how
long it’s going to take you to pay those debts off and you might have to use an
online calculator I like undebt.it is undebt dot IT I believe
because it will calculate it for you and it’s a free tool and then also look at
how much interest you’ll pay over time and I think all of those numbers are
really important because they’ll motivate you you’ll know exactly what is
at stake and how much money you’re going to be saving yourself if you pay your
debt off quickly on the other hand if you actually have low interest debt it’ll
show you you know that maybe you’d be better off saving but yeah let’s assume
you have really high like double-digit you know 20% interest rate which is you
know kind of typical on your credit cards okay so the other thing that you
want to do is make a budget so we’ve done videos on our bare-bones budget
that we’ve been following and kind of what kind of what we’re doing now but
it’s very very important if you don’t have a budget to go ahead and get that
budget done so you understand where… how your cash is coming in where it’s going
out and it helps box in any overspending areas and it is the basis for the next
few steps yes so step four four its to look for places in your budget to trim
the fat so we usually have you know a generous fun money budget which was $200
each a month or I think it’s gone up as high as $300 each a month when we were
doing really well I feel like yeah like when we were before we had a baby right
when we were living in an apartment in Philadelphia it was closer to $300 each
a month we were living it up but we knocked that down to $100 each a month
which is still not absolutely super bare-bones but we could have go down to
zero and we have gone down to zero in the past just kind of depending on what
what’s going on things like cutting our cellphone bill we actually have a video
where we talked about some of the frugal habits that we’ve adopted over time to
help us stay on track with our money goals so on the other side Instead of cutting expenses step
five you want to increase your income okay so this could be a side hustle you
might be able to make something to sell might be able to take a part-time job, mow lawns, babysit
walk dogs, house sit there are lots of opportunities out there like mystery
shopping Amazon Turk I mean there there are so many freelance opportunities do
some freelance writing what is it Fiver or something fiver yeah I mean I’ve done
things like um so we took the LSAT to go to law school so I actually did an
online LSAT tutoring um side gig for a little bit and that was interesting but
you know it just it just goes to show you showing their SAT tutors online high
school tutoring high school kids there are all sorts of things side hustles
that you can do to pad your income to make those balance
go down quickly okay so other two parts of that you definitely have to do it you
gotta think about it getting a raise at work if you never ask for it you’re
not going to get it you’re only gonna get a small raise if that everybody gets
you know so show that you’re an outstanding outstanding performer
differentiate yourself from others and then ask your supervisor hey I think I’m
thinking deserving a raise then you know worst things can happen is no and you
haven’t lost anything the other more more important and more substantial is
if you find another job if you’re ready to take the next step up you can get a
10 to 20 percent raise from switching jobs so do not just think oh I’m stuck
where I am I’m never even getting any better
oh well don’t don’t do that to yourself take the look see what you can do
consider refinancing your debt now caveat flash warning here if you’re the
kind of person if you’re a stick kind of person where you need to feel like a bad
you need to be upset about having to pay all this interest every month and that’s
what you need to do to help you stay focused to paying off that debt
then don’t refinance your debt at a lower interest rate if you know that
because it’s 0% you’ll go back to paying the minimum payment don’t do this
right this is for people who are motivated enough by their future
financial goals by not wanting to be limited by these current debts it
absolutely makes sense to pay the least the absolute least amount of interest
that you can pay because that puts more money back in your pocket so if you are
able to refinance your debt at a lower interest rate and you have to also look
at the fees for refinancing that debt and make sure that the numbers shake out
actually better you should do that because that will get you out of debt
faster determine the strategy to paying off the debt so there are kind of two
approaches so there’s your kind of debt snowball approach where you take your
smallest balance and then pay that off first and then kind of move to the next smallest balance you get this momentum it makes you feel
good that you’re that you’re paying off something there’s like well you have one
less payment and so so that can certainly work and give you this mental
benefit of success that is going on but it might not mathematically save you as
much money and so depending on what your debt looks like you might be better off
taking the highest interest rate first and paying that and then the next
highest interest rate and then going down there now
another alternative which is actually what we did which it depends on the
reason why you’re paying off debt so for us we decided to pay off two of our
debts very quickly our window loan and our credit card debt because we wanted
to have a larger monthly surplus because I took a pay cut and so because I took a
pay cut we said we looked at the numbers and things started being a bit tighter
than we were comfortable with and so we attacked the two debts that actually had
the biggest impact on our finances in light of their interest rate so we
actually paid off the these two debts that had 0% interest rates but
collectively the payments were relatively high right and so those
payments together you know since we could take out that huge chunk we didn’t
want our monthly and operational surplus to to be so constricted and so that’s
kind of neither of these but but it’s important to crunch the numbers and
really figure out not just what’s gonna save you in paying off the debt but also
what preserves your financial stability and in your comfort peace of mind and
you know maybe you have one debt that you really don’t like because oh you you
financed a car and the car is not really working out and you really are upset about
it well you can get that off the books or it’s like you divorce debt or something like you know the washer
and dryer that you brought with your ex-spouse and every time you make that
payment it just errr you know yeah you can get rid of those nobody but if you’re
trying to do whatever’s the most mathematically sound again undebt.it is
great for that because you can put in all you put in all of your debts you put
in all of your interest rates and then it you it has like six or seven
different repayment options that it considered including the debt avalanche
and the debt snowball and it shows you which one will benefit you the most
financially so that’s it seven quick and dirty tips to paying down debt super
fast absolutely so pay down your debt build well your future counts on it
hi guys see you next time

Why The Rich Pay Lower Taxes


Good morning John, and welcome to this
special edition of Vlogbrothers where we discuss the basics of the United
States Tax Policy and why Warren Buffett pays a lower tax rate than his secretary. According to the United States government, there are basically three ways to make money. One: You can inherit it when someone
dies. Two: You can make it by working. This is called ordinary
income. Making money off YouTube ads, getting paid
to do a job, making raw materials like yarn and then converting something worth more
than those raw materials like a cool TFiOS hat. That’s all ordinary income.
And number three capital gains. Now before we talk about
capital gains, let’s first talk about the ordinary income tax. Some people have a
misconception here that when you reach the new tax bracket, all of your income
lumps over into this new place, so you have to stay below a certain tax bracket.
That’s not how it works. It’s actually a significantly better system than that. Here we have the four lowest tax brackets
for a married couple. Now if you make ten thousand dollars a year, you pay a 10
percent tax. You probably pay less than that because
of deductions but that’s your tax rate because the first tax bracket is zero to
seventeen thousand dollars. Now if a married couple makes fifty thousand
dollars they’ve moved into the second tax bracket, but still their first seventeen thousand dollars
is taxed in the first tax bracket and then the rest is taxed in the second.
This works on a scale for a hundred thousand dollars and when I made this
graph, I had to make it extra long to fit on five hundred thousand dollars which
includes all of the tax brackets, but even that person the makes five hundred
thousand dollars still pays into all of the lower tax brackets before
they get to their big high up ones. Just wanted to clear that up. Now, back to capital gains. Capital gains,
is money that you get when you buy something and then you wait
and then you sell it later for more. That’s income, you’ve made money there.
Most capital gains are made in the stock market though you can also do it lots other ways, real
estate being a big one. If you make more than like thirty thousand dollars a year, your
capital gains tax is 15 percent. It’s a flat fifteen
percent for everybody. And basically, capital gains is how really rich people make most of their money. They invest in stuff and then it gets more valuable and then
they sell it. Now, that’s basically explaining how it works. Now I am going to get into how I feel about it. This is
just my opinion, but this has always seemed really weird to me. Money in the stock market isn’t actually doing
anything. Companies don’t have access to, like, do stuff with that. It’s not being used to build cars go to Mars or
make video games or whatever. I know that investment is important for our
economy, but so is income. Income is, to me, it seems like it’s worth more. So why
is it then that we tax people almost invariably more on the money that they earn by
providing actual value like proportionate to the amount of
money they make? The idea is that investment should be really good for the
economy and that you need to encourage people to invest and so you should tax it
less. The problem with that is that there isn’t a lot a good data that actually supports
that claim. What kind of concerns me is that the people who are advising the
government on these tax policy decisions are people who make their money this way.
And maybe they, just like a lot of us do, overvalue their particular impact on
the American endeavor. Or maybe they’re super greedy or maybe on the other hand
they’re right. Maybe they’re right. Maybe lower taxes for them is better for all
of us but I can’t help but feeling deep down that it’s tremendously unfair that a
waitress at Applebee’s pays a higher tax rate than a billionaire. Whether or not that’s good policy, I’m
not sure, but it does seem like bad ethics. But as I say, I am not an expert and
I’m completely willing to be convinced that I’m wrong. Nerfighteria, you are not
wrong, because you kicked John’s goal in the butt right out of the
park. You kicked it in the butt outta the park. That’s a mixed sports metaphor.
A million dollars raised for Kiva before I even got to make my first video
promoting it, but please still keep going because one thing that
is proven economically is that micro finance is a really great way to help the developing world and you can
be a part of that through kiva.org. John, I’ll see you on Tuesday.

Pearl Pay Intro Video


Pearl Pay Philippine e-Banking Platform Will allow rural banks to launch their own virtual prepaid mobile wallet in a month. More than just a virtual prepaid mobile wallet, Pearl Pay is a Virtual Money Logistics System
into which an extensive range of third-party services will be integrated including domestic or international
money remittance, cryptocurrency exchange, and innovative payment solutions Pearl Pay Coins will be the medium of exchange
for money remittance and exchange products. With its limited supply, its value will increase overtime In partnership with the biggest names in Banking,
Security, Business and Cryptocurrency We will transform the Philippines from the
texting and selfie capital of the world to Mobile Wallet Payment Capital of the World! Pearl Pay, The Better Way!

Business Pathways


Career and Technical Education Business Pathways Northwest ISD Career and Technical Education offers four business pathways: Business Administration Investment Banking and Finance Marketing Dynamics Microsoft Master The marketing program is an abundance of classes we have at the high schools, I took Social Media Marketing, Sports and Entertainment, and Fashion Marketing and these classes gave me the opportunity to work on simulations and projects that were similar to a real marketing environment. Through the Investment Banking and Finance program, I have learned the basics of accounting which upon entering college will help me in entry level classes to gain an upper hand advantage to other kids in those classes. The Microsoft Master program allows you to certify in Microsoft Word, Microsoft Powerpoint, Small Business Entrepreneurship certification, and it just allows you to get business certifications as well as technology certifications. In the Investment Banking and Finance program you can get certified in QuickBooks, which is industry recognized and millions of businesses use it. I’ve been able to develop three major skills in the Microsoft Master program which were communication, leadership, and flexibility. With the skills that you’ll gain in the Microsoft Master program, they will lead you to be ready in the workplace and be able to accomplish everything that you want to do. One of the projects I got to work on in one of my advertising and marketing classes was a restaurant project where we created a marketing plan for a real restaurant and presented it to members of the district. In the Investment Banking and Finance pathway, you have financial advisors, accountants, investors and bankers. The careers you can get into from these classes are things like PR, and just marketing or advertising. The competitive advantage that I have from these programs is learning how to budget and market effectively in a way that captures the audience’s attention. Before I entered the program I didn’t know that it would be a full four year plan, I thought it was just an elective but soon I found out that this is something I could pursue throughout my high school career and it would eventually pay off when I graduate. One of the things that I didn’t realize before I entered the Microsoft Master program was that all the certifications that the Microsoft Master program offers are free and you can take them as many times needed to pass. I’m glad I chose the Investment Banking and Finance program because it sparked an interest in business that I will now be majoring in college. I would recommend the Microsoft Master program to anyone because it gives you the competitive edge to succeed in the workplace. I’m glad that I chose this pathway because I’ve always liked technology, and it’s always been an interest of mine, and I’ve been able to make those interests into skills and those skills into certifications. #IAmNISDCTE

Why Are Wages Low in the Growing Job Market? | WSJ


– Right now in the U.S. labor market, we’re looking at two numbers. The first is 106. That’s the number of consecutive months the U.S. labor market has added jobs, the most ever recorded.
(pleasant orchestral music) The second is 3.2%. That’s about how much wages have grown each month in 2019 from a year earlier. In a healthy economy, annual wage growth is usually around 3.5%, so despite record-breaking jobs growth, wages aren’t growing as fast as expected and many economists aren’t
sure we’re going to see much of a pickup from here. (pleasant piano and orchestral music) Let’s take a closer look at the numbers. In theory, low unemployment
should encourage employers to raise wages since they’re
competing to retain workers and also hire from a
shrinking pool of employees, but that’s not what’s happening. Employee pay and benefits as a percentage of gross domestic income fell to 52.7% in last year’s third quarter, marking the fourth
straight quarterly decline. Compare that to when it was as high as 59% in 1970 and 57% in 2001. In other words, if workers
commanded as much domestic income as they did in 2001, they’d
have nearly $800 billion more in their pockets or $5100
per employed American. Economists have identified some
forces contributing to this. One of the factors squeezing Americans out of higher wages is automation. Rapid advancements in robotics technology and artificial intelligence
are expected to displace millions of jobs in coming decades as routine tasks from driving trucks to checking out at the grocery
store become automated. The share of tasks at risk
for food preparation workers, for example, is 91%. Economists say workers in industries where automation is taking over jobs have less power to
bargain for higher wages. Analysts at the Brookings Institution say less educated workers
are especially likely to have their jobs
displaced by automation, so it ends up being these workers who have a harder time
demanding higher wages. Another contributing factor
to slower wage growth is the decrease in unions. Union membership in 2018 is about half of what it was in 1983. That means the power to
bargain for higher wages has decreased, and employment contracts have become less favorable for workers. For example, employment
contracts have become increasingly riddled with
noncompete agreements. Evan Starr, an economist at
the University of Maryland, estimates that roughly
one in seven workers making $40,000 or less signed noncompetes. His research found that states
that enforce the clauses see lower wages across the
course of workers’ careers than states that don’t. That’s because noncompetes
can discourage workers in low-paying jobs from looking elsewhere since they might not be able to move from one company to another. Even interns are increasingly being hit by noncompetes, which can prevent them from moving on from temporary jobs to full-time gigs that
would pay them more. Another factor contributing
to lower wage growth is the growing gig economy. With the growth of the
freelance and gig economy, there’s more uncertainty for workers. This gives them less
leverage for negotiation and fewer rights than full-time
employees would receive. In some cases, gig economy
workers have been able to push for bigger paychecks. New York passed laws in 2018
that required Lyft and Uber to pay drivers a minimum
of $17.22 an hour, but that’s not been the case everywhere. Globalization is another reason why wage growth has been sluggish. Because of increased
competition from overseas where wages are sometimes lower, American companies are often reluctant to raise wages for U.S. workers. U.S. companies have been outsourcing jobs to places like Mexico, China, and India where they can produce
goods for much cheaper. That means U.S. workers have been left with less bargaining power when
it comes to their own wages, the idea being if your boss
can find a worker overseas who’s willing to take a
much smaller paycheck, why would they be willing to pay you more. For example, Mexican
vehicle assembly workers made less than $8 a
hour on average in 2017. In comparison, the median wage
for North American workers in the auto manufacturing
industry was 15 to $16 an hour, so how do we predict wage growth
will change in the future? Is this slower growth
expected to continue? It’s tough to say how this will play out, but members of Congress
are pushing for legislation to increase the minimum
wage, and recently, the House did pass the Raise the Wage Act, although people say it’s probably unlikely to make it through the Senate. (pleasant orchestral music)

What is The Efficient Market Hypothesis – EMH?


Welcome to the Investors Trading Academy talking
glossary of financial terms and events. Our word of the day is “Efficient Market
Hypothesis” You can’t beat the market. The efficient market
hypothesis says that the price of a financial asset reflects all the information available
and responds only to unexpected news. Thus prices can be regarded as optimal estimates
of true investment value at all times. It is impossible for investors to predict whether
the price will move up or down as future price movements are likely to follow a random walk,
so on average an investor is unlikely to beat the market. This belief underpins ­arbitrage
pricing theory, the capital asset pricing model and concepts such as beta.
The hypothesis had few critics among financial economists during the 1960s and 1970s, but
it has come under increasing attack since then. The fact that financial prices were
far more volatile than appeared to be justified by new information, and that financial bubbles
sometimes formed, led economists to question the theory. Behavioral economics has challenged
one of the main sources of market efficiency, the idea that all investors are fully rational
homo economicus. Some economists have noted the fact that information gathering is a costly
process, so it is unlikely that all available information will be reflected in prices. Others
have pointed to the fact that arbitrage can become costlier, and thus less likely, the
further away from fundamentals prices move. The efficient market hypothesis is now one
of the most controversial and well-studied propositions in economics, although no consensus
has been reached on which markets, if any, are efficient. However, even if the ideal
does not exist, the efficient market hypothesis is useful in judging the relative efficiency
of one market compared with another.

2019 Growth, Enterprise, Employment and Livelihoods (GEEL) in Somaliland


(GEEL IN SOMALILAND) The GEEL project promotes inclusive economic growth in Somaliland in the fish, livestock, and agriculture sectors. (Mohammed Yusef, Hargeisa Office Manager) The name of the project, GEEL stands for Growth, Enterprise, Employment, and Livelihoods. The project works with high-potential businesses in the fish, livestock, and agriculture sectors. GEEL also works closely with the government ministries and institutions to integrate Somaliland into the global economy through networking and investment facilitation. We introduced renewable energy technologies like solar to businesses in the fish and agriculture sectors and this has substantially reduced their dependency on the expensive nonrenewable energy sources. (Mustafa Sa’ad, Chairman Horn Gardens) Horn Gardens Company was founded in 2016 and is co-owned by a number of Somlilanders. In the two years we have been operating, we have partnered with the GEEL project. Their assistance made it possible for us to establish a one-stop shop where the farmers could buy everything they need including seeds, fertilizer, and pesticides. We have also managed to bring smart farming techniques, such as drip irrigation and greenhouse cultivation to many people and places. (Abdulrahman Ibrahim, Production Manager Somaliland Beverages Industry) The GEEL project worked with us at Lis Dairies in 2017 and 2018. They provided trainings to Lis factory employees. The trainings started hygiene and sanitation, because milk production is more sensitive than other beverages. Employees learned to observe appropriate hygiene, from uniforms to washing hands before stepping into the factory, and that the factory must be clean and sanitary at all times. The next trainings for operators were about the production process, so that they could ensure international standards and a high quality of milk and other juices produced. The importance of this workshop is to bring together electricity sector stakeholders, especially those that work with the electrical power and on distribution lines This conference led by the Ministry of Energy and Minerals, brought together the electric companies, international organizations and consumers. (Rahma Mohamed, Energy Intern) I am a graduating student at the University of Hargiesa’s Faculty of Engineering and Electronic Engineering. GEEL has assisted us with many things including giving us several trainings. This trainings included how to design and maintain solar energy systems. In addition, GEEL facilitated internships for us. so that we could practically see and demonstrate what they have taught us. The GEEL project works with us to access markets for our fish. They also assist us with cold storage of the fish. GEEL staff conducted trainings on how to improve and maintain fish quality standards. Everything is going great for us This project is really encouraging, and we appreciate it very much. (USAID impact in Somaliland to date:$650, 800 Export sales by GEEL partners; 336 Full-time equivalent jobs created; $2,935,106 New private capital investment)

What are the regulated occupations in Canada! Manoj Palwe explains


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One day you will be watching your own visa grant video!! Please visit our website : www.dreamvisas.com for more details Taurus’s President, Mr. Manoj Palwe, is a member of the Immigration Consultants of Canada Regulatory Council (ICCRC ID-R422575) Please send us your resume at [email protected]

You can call us on 91-9822033225/9822833225 Much father a man as a race consultant for Canada a member of ICC I see so many clients Asking about their profession and whether they can immediately start working into that profession In tandem there are two kind of rotations more than 80-percent professionals are not regulated and 20% of operations are regulated in Bengal working in a regulated profession like for example your if is your therapist you are in ten days You are an engineer you are a doctor. You are in nurse in my example I have an immigration consultant so again immigration concern is again a regulated profession So if you are from any of this rotation you were to approach the regulatory body That regulatory body is having some things some Steps you have to do you may have to do some exams also Okay, and as per those regulatory what is take lished here to complete those formalities and when you’ll be completing those formalities you’ll be getting a License to work in that profession so Supposing you are a dentist you are having another question that while you are completing all these things Can you work? of course you can work, but not in your field as a dentist you can work in some other field because To work as a dentist it is compulsory that you should have a certification But if you are working in some other profession because when you are landing you can get it absolutely Important that you have to keep your body and soul together How you can keep that thing you have to keep doing something? so you are allowed to do so many other things if you see more than 80% of patients have not regulated and You can always work into that thing if you are in good communication skills could personality and Never-say-die attitude because in here to behead So there’s no harm in working in such professions also because most importantly you’ll be getting the kangan experience Canden express it absolutely important, so please remember That you have to when you are shutting your case when while you are preparing for your landing in Kanda? Please be aware that whether your profession is a regulated Non decorator if it is regulated you should be extra cautious. You should be very prepared about the documentation of the regulatory bodies That way you are landing in can divert job search in Canada will be pretty smooth You will be more confident and your chances to succeed in Candace great Thank you